Date Received: 2023-03-16
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the ftc online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, date of last activity verified and provided to me as well.
Company Response:
State: SC
Zip: 29203
Submitted Via: Web
Date Sent: 2023-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-16
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Capital One requested a hard copy of my credit report without my authorization. Based on their privacy notice they must request a hard credit inquiry and based on the noticed I received from XXXX is that they received a hard copy of my credit report. This had a negative effect on my credit score.
Company Response:
State: NC
Zip: 284XX
Submitted Via: Web
Date Sent: 2023-03-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-16
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. ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. Please update the status of this account asap : Capital One XXXXXXXX Date opened XX/XX/2017 XXXX {$0.00}
Company Response:
State: CA
Zip: 90027
Submitted Via: Web
Date Sent: 2023-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-16
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Deep flaw in banking system, someone should take action to fix it. My checking account in XXXX XXXX ending with XXXX, was compromised and fraudulently some one withdrawn approx {$6000.00}. flaws in banking 1. if someone get your account number & checking number can initiate direct electronic withdrawal?? why there is no two step verification, if someone trying to do so at fist time?? why there is no confirmation process when large amount withdrawal is initiated 2. Errony, when I noticed some unauthorized is trying to link my checking account, i immediately informed bank to stop this merchant to make any transaction, but they failed!! link happed on XX/XX/XXXX and withdrawal done on XX/XX/XXXX. Why bank is not accountable for its carelessness, in spite of being reported promptly, they let fraud happed?? who is bearing cost of such flaws in system?? taxpayers?? 3. Response from bank on next day XX/XX/XXXX - They take 3 days to block any merchant,, BUT can allow withdrawal in one day???? - this is totally unreliable, system 4. no 24x7 customer care- if someone want to complain about fraud- it can happen any time of the day 5. it was hard to explain agent - how to look for signs of fraud - being IT guy I know these, but unfortunately, they were not. 6. Bank have no clue who has withdrawn money, which account number, location of merchant?? how it is possible?? if so it very dangerous to keep money in any of XXXX XXXX?? 7. they just have a name of merchant - XXXX XXXX XXXX XXXX which I can see online 8. since when XXXX started steeling money directly from accounts - I have to relation with XXXX, why this type of common sense alert is not in banking system??? 9. I have yet not received any money back- bank says may take up to 10 days -- - why do i suffer on bank failure?? who will be responsible if I dafault on credit card payment, or any other due??? Looking forward for clarification on above points, and let me know if there safe bank exist
Company Response:
State: MA
Zip: 01876
Submitted Via: Web
Date Sent: 2023-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-16
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: I filed a complaint with Capital One, but they were hesitant about assisting me because the Consumer finance account was in both my husband and I name, but when submitted, it only showed my husband name. When I spoke to a representative from Capital One and advised of the issues that were going on with my account, how Capital One closed my account and continues to charge me, they labeled one of my accounts fraud ( which it is not ), how I have loss income and they are refusing to work with me. I enrolled in a debt management plan and seems that Capital One is not willing to work with consumers that have financial hardships. The debt management plan is XXXX XXXX XXXX. Well, today XX/XX/16, I received a packet from Capital One advising they credited the account of fees, which I think they should have. How does a credit card company close your account and continue to charge you past due fees when you dont pay on time. The purpose of enrolling in a debt management plan is because I have a decrease in my finances. Capital One does not want to work with outside debt management financial institutions because they want to continue to gain the BILLIONS of dollars in interest they gain from consumers who can't afford it. They should not the interest rates are extremely high and they should offer some help. As I waited for someone to contact me back, AGAIN I keep getting past due fees. How is this fair to the consumer? When an account is closed, the account is closed and there should be no more fees added. Capital One continues to purposely add fees to closed accounts which should be against the law and is not fair to the consumers. And by the way, I have gain {$39.00} ( PAST DUE FEES ) ON CLOSED ACCOUNTS, 3x 's while waiting for Capital One to call me. I wonder how many African Americans does Capital One do this to, closing a customer account, continuing to add fees to a closed account, and refusing to work with the customer on debt management. I am beginning to think this issue only affects a certain type of group. I have heard others of my ethnic group advise that they have gone through this same issue with Capital One. Sounds like this is UNFAIR PRACTICES AND TREATMENTS toward a specific ethnic group. I need to speak to someone in the corporate office AGAIN immediately. Accounts are ending XXXX, XXXX, and XXXX
Company Response:
State: GA
Zip: 30281
Submitted Via: Web
Date Sent: 2023-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-16
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I received a promotion offer in the mail from Capital One credit card. It states " 0 % INTRO APR ON PURCHASES AND BALANCE TRANSFERS UNTIL XX/XX/2024, with XXXX XXXX XXXX % variable APR after that. There is a 3 % fee for amounts transferred until XX/XX/2024. '' I applied using the reservation code and access code provided on the promotional offer. I was accepted and given a {$10000.00} credit limit. I tried to transfer the amount from a higher balance card and was told that there were no offers for transfers at this time. I spoke with customer service and they confirmed that there were no offers for balance transfers although I reminded them that this is exactly what their promotional offer stated. I immediately closed my account and had to be on the phone with customer service for over 30 minutes in order to receive confirmation that the account was closed. This is false advertisement!!!
Company Response:
State: AL
Zip: 354XX
Submitted Via: Web
Date Sent: 2023-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-16
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I sent a payment the week before XXXX XXXX. Capital One did not credit the payment until after the holiday that XXXX and I incurred late fees and interest was charged shortly thereafter. Based on incorrectly applied late fees compounded into my balance. When I called Capital One to suggest this had to have been an error because my payment processed by the early morning of the XXXX after XXXX 's XXXX. Well before any mail would have come to the Capital One payment address. It would be virtually impossible for them to cash a check that's not physical there. I explained several to the agent I sas speaking with. I was callously condescended and essentially called a liar on the recorded line. When the agent got frustrated that my story was true he suggested we do a three way call with my bank. I gave him the number and he got them on the line. He introduced himself and commandeered the situation like a police officer interrogating a suspect. The bank representative corroborated my story by answering his specific questions and he eventually relented and agreed to rescind the late fees. He also told me they wouldn't report my payment as being late. Later that week I purchased a vehicle with loan money from a XXXX program for my small business, and primary means of income. I was purchasing the insurance as was required and received a letter from the insurance company today letting me know my payment was rejected by my credit card company. I thought that had to be a mistake because I cleared up the situation and then for good measure sent just shy of {$5.00} to cover any interest that's still left compounded from erroneously applied late charge that would render my XXXX charge late. I checked my account and sure enough, in an expectedly retaliatory fashion, Capital One had continued to block the card and report the payment as late to credit bureaus even after they admitted fault and rescinded the late fee. I have been driving uninsured for almost a week. When I called Capital One to rectify the situation, the agent just kept repeating what my outstanding balance was completely disregarding my explanation and the observable clues that Capital One is in the wrong. I work way too hard to be the subject of deliberate malice towards a client actually keeping up with payments.
Company Response:
State: GA
Zip: 30214
Submitted Via: Web
Date Sent: 2023-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-16
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act this creditor, has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666B a creditor may not treat a payment on a credit card account under an openend consumer credit plan as late for any purpose. Please remove any latte payments from my credit report for the following : Capital One
Company Response:
State: NJ
Zip: 08075
Submitted Via: Web
Date Sent: 2023-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-15
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX have never had an account with this company CAPITAL ONE XXXX XXXX from all credit agencies from reporting. XXXXconsumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) XXXXThis letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication XXXX 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 ) XXXXI 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 ) XXXXAccording 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. XXXX15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. XXXXAs mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) XXXXWhile 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. XXXX15 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: NY
Zip: 10954
Submitted Via: Web
Date Sent: 2023-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-15
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XX/XX/2023 I mad an autopay of {$25.00} then on the same day I made a payment to satisfy the entire statement balance. By the terms of the credit agreement I should not have been charged a finance charge but on XX/XX/2023 I was charged {$39.00} in interest. I spoke to XXXX on XX/XX/2023 to ask about a credit since I had paid in full, I was told that I made the payment after the XXXX eastern time cut off, I was late by about 8 minutes apparently. I spoke to XXXX a supervisor when XXXX could not assist. XXXX said that it was a valid charge and it would not be fair to provide a courtesy rebate.
Company Response:
State: PA
Zip: 19063
Submitted Via: Web
Date Sent: 2023-03-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A