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 a 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: NJ
Zip: 080XX
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: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: I purchased my XXXX XXXX XXXXXXXX XXXX brand new on XX/XX/2020 at XXXX XXXXXXXX in XXXX, Texas. Which has now been renamed and brought out by XXXX now. The truck was {$37000.00} the total of everything was {$42000.00}. We paid a total of {$4000.00} down. We, are exercising our right of Rescission Pursuant to 12 CFR 1026.23 ( b ) ( 1 ), Truth In Lending Act as WE was never told WE had 3 days to rescind the transaction nor was WE given the notices that come along with all consumer credit transactions. We are rescinding the transaction, and rescinding my signature endorsement ; Furthermore, you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX also named has failed to clearly & conspicuously disclose my right to rescind ; We, participated in a consumer credit contract and not a loan Pursuant to 16 CFR 433.1 ( i ), which clearly states Consumer credit contract. Any instrument which evidences or embodies a debt arising from a Purchase Money Loan transaction or a financed sale as defined in paragraphs ( d ) and ( e ) of this section. Take further notice that Pursuant to 12 CFR 1026.4 the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges which was never disclosed to me by your organization in direct violation of this law. Also, on 12 CFR 226.18, the Term Finance Charge is the dollar amount the credit will cost you ;
Company Response:
State: TX
Zip: 77630
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: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Capital One Auto Finance. Account was opened XX/XX/XXXX. Paid off XX/XX/XXXX. They sent a Letter Offering a settlement The balance was {$15000.00}. I paid them the settlement amount of {$6000.00} dollars to account number ending XXXX and they sent me a Letter proof of paying off the car as well as received the Titled. The Letter states Upon payment of the Settlement amount noted above, Capital One Auto Finance will consider your account as settled for less than Full balance. You will not be responsible for paying the remaining amount on your account. This was never reported a problem to my credit Report until I bought my First home XX/XX/XXXX. I never had a issue with Credit. The Car was paid off and now it says account open/closed 180 days past due, I owe {$14000.00} and that is Fraudulent. Upon Paying off my Car I have been working hard to keep my Credit Good Retirement will be soon. I just bought Home with a 98 % payment history. Please can you Help me get this off my Credit and return my XXXX points Points back up. Thanking you in Advance, XXXX XXXX
Company Response:
State: OH
Zip: 45224
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 XXXX account # XXXX, has violated my rights. 15 USC 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: FL
Zip: 33881
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 XXXX accounts # 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 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 plan as late purpose
Company Response:
State: FL
Zip: 336XX
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: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Upon checking my credit report, I noticed that an account reported by Capital One contains a lot of inconsistencies across the 3 credit bureaus. XXXX ) The closing date varies : None for XXXX, XXXX XX/XX/2022, and XXXX XX/XX/2022. On XX/XX/2022, the account was reported as paid with OK status with all credit bureaus however and additional report was sent to XXXX as set the account as Charged off.
Company Response:
State: MA
Zip: 02048
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: 15 USC 1681 section 602 states I have a 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: GA
Zip: 31601
Submitted Via: Web
Date Sent: 2023-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Capital One is showing late payments and I have tried to contact them to show them how this information is inaccurate and sending proof and they are still not cooperating. XX/XX/XXXX XXXX XXXX {$100.00} {$150.00} There's a bankruptcy being being reported in 2016 it is inaccurate
Company Response:
State: IL
Zip: 60652
Submitted Via: Web
Date Sent: 2023-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-10
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.
Company Response:
State: NC
Zip: 28216
Submitted Via: Web
Date Sent: 2023-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-10
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I XXXX XXXX opened an account with capital one 360 checking account, I made some deposits from my XXXX XXXX accounts to pay my rent, capital one froze my account with no prior notification and now I can't make any withdrawals from my account, my rent is still due and I'm near eviction. I am requesting capital one to close my accounts and send me a check of my available balance to the address on file,
Company Response:
State: NY
Zip: 125XX
Submitted Via: Web
Date Sent: 2023-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A