Date Received: 2023-03-12
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 Section 604 A section 2 : it also states a consumer reporting can not furnish an account without my written instructions. 15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer plan as late for purpose. In accordance with the fair credit reporting act XXXX acount # XXXX, has violated my rights.
Company Response:
State: TX
Zip: 774XX
Submitted Via: Web
Date Sent: 2023-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-12
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: Hello! How are you? I am disputing the late payments you have reported to the three credit bureaus.My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.
Company Response:
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2023-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I filed a dispute with XXXX, XXXX and XXXX regarding reported late payments on my accounts, requesting that they be removed due to clear violation of the law under 15 USC 1681b permissible purpose of consumer reports, and my dispute was denied. This law clearly states : IN GENERAL Subject to some section ( c ) Any consumer reporting agency made furnish the consumer report under the following circumstances and no other : ( 2 ) In accordance with written instructions of consumer to whom it relates. Furthermore, but their credit reporting act 15 USC 6081 ( 2 ) ( a ) ( I ) Versions from consumer credit report clearly states : ( 2 ) EXCLUSIONS-Except as provided in paragraph ( 3 ) the term consumer report does not include : Subject to section 1681S-3 of the title, any ( I ) Report containing information solely as to transactions or experiences between the consumer in person making report ; As a result of this being a clear violation of the law, I want all reported late payments for the following accounts deleted from XXXX, XXXX, and XXXX : XXXX XXXX Acct # XXXX Capital One acct # XXXX XXXX XXXX XXXX Capital One acct # XXXX XXXX XXXX XXXX Capital One acct # XXXX XXXX XXXX XXXX I thank you for your consideration in correcting these illegally reported late payments. XXXX XXXX Social security # XXXX DOB XX/XX/1981
Company Response:
State: NY
Zip: 128XX
Submitted Via: Web
Date Sent: 2023-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-12
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 UCS1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Company Response:
State: DE
Zip: 19701
Submitted Via: Web
Date Sent: 2023-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-12
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, has violated my rights. 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 a 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 purpose.
Company Response:
State: GA
Zip: 308XX
Submitted Via: Web
Date Sent: 2023-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act capital one # XXXX, has violated my rights. 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 a 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 purpose. 94
Company Response:
State: AR
Zip: 72120
Submitted Via: Web
Date Sent: 2023-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-12
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: On XX/XX/2023 I ordered, through the website, a product from XXXX that they claimed was instock. On XX/XX/2023 I received an Email from XXXX claiming the product was on backorder. On XX/XX/2023. XXXX charged my Capitalone XXXX account for {$170.00}, but did not send the product ordered. XXXX XXXX XXXX XXXX order was cancelled for failure to deliver the product. On XX/XX/XXXX an Email from XXXX stated that the order had be cancelled. XXXX XXXX XXXX a dispute was file with Capitalone about XXXX failure to return the amount charged. On XX/XX/XXXX an Email was sent to XXXX about not returning the money and that a dispute was open. On XX/XX/XXXX Capitalone credited my about {$170.00}. On XX/XX/XXXX XXXX returned the money. On XX/XX/XXXX Capitalone charge a purchase adjustment of {$170.00} to my card and is refusing to remove it claiming that the extra credit is unpaid when in fact basic math shows that all has been paid. Capitalone is refused to remove the XX/XX/XXXX claim which would be paying them an extra {$170.00} that Capitalone is not have a right too.
Company Response:
State: IL
Zip: 617XX
Submitted Via: Web
Date Sent: 2023-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-11
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: In accordance with the fair credit reporting act XXXX, Account numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, have violated my rights. 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 purpose.
Company Response:
State: AR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-11
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 604 A section 2 It also states consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666 V a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Company Response:
State: MD
Zip: 20602
Submitted Via: Web
Date Sent: 2023-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-11
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I'm a member of BJ 's wholesale club and have My Bj 's park credit card issued by the Comenity Capital Bank card number XXXX. A number of times I used this card not too much and I do the payment by auto pay connected with my checking account. On the last payment I became surprised when an amount of {$140.00} has collected from my checking account. Then I checked from very beginning of the date I started using the card and found in total i used the card {$560.00} but they collected {$660.00} from my checking account. In the middle I became default to pay because my checking account was hacked and to protect my account I stopped the checking account for a few days what I have inform them.You could see the statement here. So my request to you please check my paper and do the necessary to get the overpayment refund.
Company Response:
State: NY
Zip: 11373
Submitted Via: Web
Date Sent: 2023-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A