Date Received: 2023-03-25
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Capital One Auto Finance is misstating the balance, reporting late payments incorrectly, failing to report a discharged debt or paid debt, reporting old debt as new or re-aged, closed accounts as active, reporting information over 7 years reporting civil judgments over 10 years, Their action has caused me harm by their continued abuses, violations, REPRISAL to the FCRA
Company Response:
State: CA
Zip: 92008
Submitted Via: Web
Date Sent: 2023-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-25
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: It has come to my attention that capitol one still has yet to remove an item from my credit report since 2018 which I never agreed to have them report this and paid it off. Capital one account # XXXX. Section 1681a forbids such actions. Also this was a credit card which was reported for late fees which me and a banker agreed would not affect my credit which was a lie. 15 usc 166a states that any written or oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation etc. 15usc 166b, I never received mail stating that I have grace period. they were also notified by CFPB and they sent me a letter stating that they would not remove the account which been on my account for 4 years illegally. they also allowed multiple entities to steal my money and closed my account for no reason with money in the account. I had no money and the bank told me I had wait days for the money to be released. this bank really stressed me out
Company Response:
State: NY
Zip: 10460
Submitted Via: Web
Date Sent: 2023-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-25
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: On XX/XX/XXXX, I applied for a Capital One credit card and was asked to provide 2 documents : a Government-issued Photo ID and a document showing my Social Security Number ( SSN ). I submitted two documents showing these and had not heard back on my application for some time, so I decided to call Capital One Customer Service on XX/XX/XXXX to see if there happened to be any issue. As it turned out, there was. I was only then informed that Capital One had rejected my Photo ID document as not being clear by their standards, an issue I had never had before when submitting my Passport Card photo. Thus, I faxed a new Photo ID to Capital One my Driver 's License to remedy the issue along with the document showing my Social Security Number. On XX/XX/XXXX, I then received my Capital One rejection letter for my application. This letter indicated that the reason for the decision was that based on my application information, the application submitted is incomplete or can not be verified. The letter indicated that my Credit Score per Capital One was XXXX. The letter included that if I feel Capital One missed something in reviewing my application, I could write to Capital One which I did. My letter in response to Capital One included my request that they reconsider my credit card application based on new information provided under the Equal Credit Opportunity Act with a new, significantly higher, salary of {$72000.00} given a new full-time offer I received. I additionally indicated that I submitted a complete application and provided all information requested. However, given that the denial letter made reference to an incomplete application or information that could not be verified, I requested that in accordance with Section 1002.9c of the Equal Credit Opportunity Act, Capital One inform me of specifically what was missing and provide an opportunity to remedy my application with the necessary information to complete my application. I pointed out in my letter that, based on the XXXX report, I have been an authorized user on my father 's credit card with Capital One prior to Capital One 's sale of the GM Card business to XXXX XXXX XXXX. I additionally pointed out I have been the exclusive user of that credit card since XXXX XXXX XXXX with zero missed payments and paying the entire balance in full each month with multiple payments made each month. I also noted that Capital One has sent me multiple preapproval offers of credit in the past. Following this letter, I received a follow-up from Capital One on XX/XX/XXXX that was identical to the first rejection letter that indicated my application information was incomplete or can not be verified. This letter did not indicate what was missing or incomplete from my application, as I specifically requested from my letter, and offered no remedy or option to fix the " incompleteness '' of the application, which is impossible without being informed by Capital One what is considered incomplete. I then called the next day on XX/XX/XXXX to Capital One 's Customer Service to find out why my application was once again rejected and considered incomplete. The initial woman I talked to said my application was once again rejected and that this decision was considered final with no opportunity to fix the issue. She told me to reapply in 6 months and when I continued to ask questions to find out why my application was considered incomplete, she directed me to XXXX and informed me that he did not know why my application was considered incomplete as that was something only the back office did and that I would likely not receive an answer to my very basic question of what was considered incomplete, why, and would not have a remedy to fix the issue at hand. I pointed out that this very basic information is required under 12 CFR 1002.9 - Notification even going so far as to read aloud the relevant sections regarding incomplete applications : " ( 2 ) Notice of incompleteness. If additional information is needed from an applicant, the creditor shall send a written notice to the applicant specifying the information needed, designating a reasonable period of time for the applicant to provide the information, and informing the applicant that failure to provide the information requested will result in no further consideration being given to the application. ''
Company Response:
State: PA
Zip: 151XX
Submitted Via: Web
Date Sent: 2023-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-25
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: My quicksilver card ending in XXXX has an XXXX XXXX membership as a free benefit. The terms state I am to charge the membership to the card, and it will automatically be credited. I set this up but have been charged 5 times and only received credit for 4. I am owed an additional {$9.00} that Capital One needs to credit.
Company Response:
State: FL
Zip: 334XX
Submitted Via: Web
Date Sent: 2023-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-26
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: I have reached out too these companies back in XX/XX/2022 in regards too these inquiries on my credit report I have called an they have not been able too provide me with a explanation as too why they are on my credit report so under FCRA 611 ( a ) ( 7 ) I would like for these companies submit verification of signature where I gave them permission to run my credit.
Company Response:
State: TX
Zip: 75056
Submitted Via: Web
Date Sent: 2023-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-26
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have reached out too these companies back in XX/XX/2022 in regards too these inquiries on my credit report I have called an they have not been able too provide me with a explanation as too why they are on my credit report so under FCRA 611 ( a ) ( 7 ) I would like for these companies submit verification of signature where I gave them permission to run my credit. I would like for under FCRA 611 ( a ) ( 7 ) the companies submit documents of signature or my permission for them too run my credit if companies can not provide documentation I would like them too remove the inquiries off my report please and thank you.
Company Response:
State: TX
Zip: 75056
Submitted Via: Web
Date Sent: 2023-03-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-24
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: Debt collectors for Capital One are trying to collect different amounts on a 10+ yrs old credit card that was already paid off.
Company Response:
State: CA
Zip: 94536
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-24
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My identity was stolen. I got a letter from XXXX. I have no knowledge of a capital one credit card account, XXXX XXXX and XXXX XXXX credit card
Company Response:
State: NY
Zip: 11233
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-24
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Received a XXXX day payoff quote, sent payment for the total amount due. Payment due date has historically been the XXXX, payment received and processed by Capital One by the XXXX of XXXX. XXXX of XXXX, received an interest fee of {$78.00}. Spoke to a supervisor this morning ( the XXXX ) and was told there was nothing they could do. In contrast, I was also told they could help, just not in this situation. My entire balance was paid off, I went into the next billing cycle with a credit balance, and was charged interest. This is predatory at best.
Company Response:
State: WA
Zip: 98203
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-24
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/2023 approximately XXXX, I woke up to a text notification from capital one about an order being place from Walmart . Since I didn't place any order, I immediately called capital one to inform them that there was a fraudulent charge of {$100.00} from Walmart, and they deactivated my credit card and gave me a new credit card. When I investigated further I tried to log onto XXXX but my account was deactivated, so I checked my email and there was an email stating my account was deactivated, I called Walmart to report the fraudulent charge and to reactive my account which they did, but told me they don't give refunds, I have to contact my credit card company. I've called capital one several times for them to refund my money, they'll adjust it then charge it back several times, so I finally decided to make a complaint and hoping I can get my money back. I have attached the email from Walmart about account deactivation, screenshot of the time I.ve called capital one the moment I knew someone fraudulently used my account, the order the thieves made and capital one statements.
Company Response:
State: SC
Zip: 29212
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A