Date Received: 2023-03-27
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: My Venture Card was expiring, so Capital One mailed new cards to my wife and myself. The cards had not arrived after 45 days, so I called and reported that they were probably lost in the mail. I sent a copy of my passport as my drivers ' license had expired to the credit card department. As it turns out, they sent the passport to the security division which is also the fraud division as well. They blocked the card for security, but before mailing me a new one they wanted proof of my identity. My passport, expired drivers liscence, and having multiple accounts with all the accumulated data was not enough In looking at my credit report, my credit score is over 700 and good credit with all companies, however Capital One has been making inquires on my account about every 4 months. This is problematic. I have had contact with Capital one since XXXX and have other accounts as well with them. I continue to pay on all accounts each month and can provide info on payments etc.. All use the same identifying information -- address, social security number, date of birth etc. I am still waiting for my card. Recently I received a email from Capital One Visa informing me that my credit limit was being raised because of my good payment history. Are there separate divisions for Visa and Venture Cards that do not share info and that operate under different rules. I am very happy with their response, but I. still wish to receive my Venture Card. I now have multiple cards for my wife and myself that are unusuable. Re : XXXX XXXX XXXX, your credit line increased to {$4300.00} XXXX XXXX Sat XX/XX/XXXX XXXXXXXX XXXX _XXXX XXXXXXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- From : Capital One XXXX Sent : Friday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX Subject : XXXX XXXX XXXX XXXX your credit line increased to {$4300.00} Nice job! Your new credit line is {$4300.00}! Heres a high-five to your responsible credit-building journey. We have increased your credit line for your account ending in XXXX from {$2300.00} to {$4300.00}. Why did I get a higher limit? We increased your credit line based on several factors including the way youve managed your account. Did Capital One do a hard pull on my credit to make this decision? No, Capital One used soft inquiries, which had no impact on your credit score. Check out this article to learn more. How could this credit line increase impact my credit score? Check XXXX from Capital One to see how your credit line increase may impact your credit score. Plus, get free personalized suggestions and alerts to help improve your score. Dont want your credit line increase? Just call XXXX ( XXXX ), and well reset your credit line back to its previous limit. Keep up the good work and thanks for choosing Capital One. About this message The site may be unavailable during normal maintenance or due to unforeseen circumstances. Where does my XXXX score come from? Your XXXX score is calculated using the XXXX XXXX XXXX model, which is one of many credit scoring models. It may not be the same model your lender uses, but it is an accurate measure of your credit health. The availability of the XXXX tool depends on our ability to obtain your credit history from XXXX. Some monitoring and alerts may not be available to you if the information you enter at enrollment does not match the information in your credit file at ( or you do not have a file at ) one or more consumer reporting agencies. Alerts are based on changes to your XXXX and XXXX credit reports and information we find on the dark web. The XXXX XXXX provides an estimate of your score change and does not guarantee how your score may change. Important information from Capital One Contact us | Privacy | Help prevent fraud To ensure delivery, add XXXX to your address book. This email was sent to XXXX and contains information directly related to your account with us, other services to which you have subscribed, and/or any application you may have submitted. Capital One does not provide, endorse or guarantee any third-party product, service, information or recommendation listed above. The third parties listed are not affiliated with Capital One and are solely responsible for their products and services. All trademarks are the property of their respective owners. Please do not reply to this message, as this email inbox is not monitored. To contact us, visit XXXX. Products and services are offered by Capital One, N.A. XXXX Capital One. Capital One is a federally registered service mark. XXXX XXXX XXXXXXXX XXXX
Company Response:
State: FL
Zip: 330XX
Submitted Via: Web
Date Sent: 2023-04-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-27
Issue: Improper use of your report
Subissue: Received unsolicited financial product or insurance offers after opting out
Consumer Complaint: I XXXX XXXX has been receiving emails and postal mail from capital one credit stating that I'm pre-approved and or pre-qualified for a credit card with no impact to my credit so I applied for a credit card thinking that it wouldn't hurt my credit but that wasn't the case they have put several Hard Inquiries on my credit report after I called and spoke with them about this matter, and they ask me some personal information such as my email, mailing address so I verified the information for the associate at capital one. Before I got off of the phone with capital one credit I XXXX XXXX asked if they would please remove all inquiries from my report, and the associate said yes I am taking care of that right now. I also ask them to stop sending me promotional emails, and postal mail, they didn't do any of the things I asked them to do.
Company Response:
State: NC
Zip: 27292
Submitted Via: Web
Date Sent: 2023-03-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXXXXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Company Response:
State: FL
Zip: 33321
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-27
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: on XX/XX/2022 or around that date a transaction of {$930.00}. to XXXX. I called capital one and ask them to dispute it they told me that they would. later the they took the temp credit back from me an told me I had to call XXXX. when I called XXXX they couldn't help me cause I had no account information. I asked XXXX was the package singed for they said yes .i still owe the bank for a phone that was brought on my card fraud and capital one customer service rep has a strong language barrier you cant even under stand them
Company Response:
State: GA
Zip: 30281
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 status incorrect
Consumer Complaint: I have repeatedly made my payments on time with this company. The money has been available when I've set up auto payments. I've never even received a bill in mail or a phone call. The one late payment they actually returned my payment so i called to make the payment by phone and they still put a late payment on my account. I've started to double up the payments because the late pay they put on my report destroyed my credit score and it wasn't my fault. They refuse to remove the late pay. I've attempted to get it removed by disputing but still hasn'e been removed. Please help me to get the late pay removed from my report. Thanks
Company Response:
State: CO
Zip: 80907
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: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: I received a notice from capital one auto finance. I have suffered anxiety, mental anguish, loss of money and jobs because they are bombarding/abusing me to pay an alleged debt. The notice received was filled with threats such threatening me about repossession and false information will information will be furnished on my credit report, which is a violation of 15USC 1692d ( 2 ). They used a symbol in the context of their communication that indicated that they are in the business of debt collection, violation of 15USC1692b ( 5 ). According to the Truth and Lending Act, I am only supposed to pay a finance charge. Therefore, that makes the contract void. Capital One Auto finance is attempting to collect money from me for a fraudulent contract.
Company Response:
State: FL
Zip: 33179
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 status incorrect
Consumer Complaint: As per the provisions of the Fair Credit Reporting Act, my rights have been violated by the creditor. Section 602 of 15 USC 1681 affirms my right to privacy, which has been infringed upon. Furthermore, Section 604 A ( 2 ) states that a consumer reporting agency may not furnish account information without obtaining my written consent. Additionally, according to 15 USC 1666 ( b ), a payment made towards a credit card account under an open-end consumer credit plan can not be treated as late for any purpose by a creditor. I kindly request that this matter be thoroughly investigated and that any necessary corrective action be taken to rectify this violation of my rights. Capital One Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: MD
Zip: 21043
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: Closing your account
Subissue: Company closed your account
Consumer Complaint: Capital one took my security deposit to open my credit card and then closed my account and wont return my deposit. I never got to use the account at all. They closed the account before I even received the card. They told me they didnt know when I would receive a refund, or if I would.
Company Response:
State: WI
Zip: 53186
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: Was not notified of investigation status or results
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 XXXX Date opened : XX/XX/2018 Balance : {$540.00}.
Company Response:
State: FL
Zip: 33155
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: 1.I have never had an account with this company CAPITAL ONE , REMOVE from all credit agencies from reporting. 2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are CAPITAL ONE the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Company Response:
State: TN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A