Date Received: 2023-03-04
Issue: Getting a loan or lease
Subissue: Problem with additional add-on products or services purchased with the loan
Consumer Complaint: Mitsubishi XXXX XXXX located at XXXX XXXX XXXX XXXX at the XXXX XXXX never gave me my bill of sale at the time of purchase. All I remember is the XXXX who was the finance guy scrolling through a bunch of paperwork on the tablet and I signed my name. I dont remember signing the bill of sale nor looking at it. I believe my signature was copied and pasted. As you can see in the documents my signature looks exactly the same! The only document I signed was the paper sales tax transaction return paper that I was told was the bill is sale! XXXX XXXX who is the Volume Car sales XXXX scrolled through the documents and just told me to sign my name and that my APR will be 9.45 % The attached paper work is what I received as the final price on my car not the paper that states XXXX. And if everything was being recorded at the XXXX department as XXXX said, none of this shouldve ever happened to me. If paper work as well as email communication is what you need in order for me to prove my case I will give it to you. I am just one person so if I am not being heard here I will take matters further to the FTC. I am just climbing the ladder. As you can see I have attached the final price of the car XXXX showed me. The total price of my car was suppose to be {$21000.00} with my {$1000.00} down payment. I was very furious when I found out this document was not my Bill of Sale. I found out this was not my bill of sale once the Capital One Account was opened in my name. {$25000.00} was what I saw as the todays payoff and the principal balance as {$24000.00}. I have a attached a picture of the car listed price and the auto loan that was opened in my name. I immediately went up to the car dealership and spoke with XXXX and XXXX about this. I was BEYOND confused! I started to get an attorney but then I went to the dealership and I was able to cancel the warranty and gap insurance. If you can see the emails I have attached back and forth from XXXX on this madness. Ive also attached the paperwork of the warranty and gap insurance being canceled. This is what I call HIDDEN FEES. I dealt with this during XXXX and Im still dealing with this now. This is insane! The dealership does not answer their phone calls either I had to drive up there a countless number of times so thats gas money which isnt cheap by the way. This is not just a matter of improper credit usage in my name but I was scammed at this dealership. I dont believe I signed all the paper work that was shown to me either. Everything was done on a tablet. My signature had to be forged.. copied and pasted! If you look at those lines completely my signature looks THE EXACT SAME! If you just take a second to look at the paperwork of the bill of sale the dealership gave you, you will see in actuality the car I saw the price listing on was in fact {$18000.00} not XXXX Im not even sure where my {$1000.00} down payment went towards? I will attach a picture of the listing of the Mitsubishi XXXX suv listing price. I paid the auto loan in a lump sum because of how much interest was building up. I understand my name is on the paper work. But whos to say the dealership didnt copy and paste my name! We can settle this if I am awarded the amount that was loss from the dealership, time and suffering or we can settle all this in court. I was not given my bill of sale in the first place I was given the other sheet. I will take matters further with Mitsubishi. The cost of the car in total I was told at this dealership was {$21000.00} and its also stated on the paper work I have attached! If this was not my bill of sale why was this given to me??? I want an answer. Not only I have been going through stress, pain and suffering but I have loss so much time and sleep over this! If the attached document isnt the bill of sale XXXX dont understand WHY it was given to me. And why XXXX told me this was the full cost of my car! A video of me and the finance guy was recorded in the finance room. They have a camera hovered over his shoulder I guess because this dealership has scammed other hard working people. And you will see that the paper work given to me was the price I agreed on to buy the car which was {$21000.00} Theres no way I wouldve paid {$24000.00} for this car. There were a ton of hidden fees that I was not aware of. Documentation fee, Public Officials, Sales tax, Extended warranty, XXXX XXXX and XXXX insurance. I was not aware of it because it wasnt listed on the paper I was given attached to this email. I even had to email the finance guy to give me a copy of the bill of sale and warranty. Please see the attached emails of me and XXXX back and forth. When I tried to return the car a week later after learning about all the hidden fees and after the total price of my car on my Capital One Auto loan which was XXXX thats the price of a whole new car! I was refused and declined when I tried to return the car. I explained to them this was not what I agreed to! They didnt care. XXXX, the sales XXXX told me I would have to pay {$2200.00} plus this would go on my record as a repossession. I believe I was scammed and lied to. I didnt want to damage my credit as I am in the XXXX which is great standing. I also needed a car to get back and forth to work. And I didnt see the reason to pay {$2200.00} for a car a dealership put hidden fees on.
Company Response:
State: IL
Zip: 60628
Submitted Via: Web
Date Sent: 2023-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-04
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Information was sent on numerous occasions, from XXXX and XXXX of XXXX with the correct documents with proof of a notarize letter, the items were disputed again in XXXX and sometime again in XXXX and XXXX of XXXX.
Company Response:
State: NY
Zip: 11432
Submitted Via: Web
Date Sent: 2023-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-04
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I opened a ING Direct savings account around XXXX. At the time it maintained one of the highest interest rates available for a savings account. This account was transferred to Capital One around XXXX and became a Capital One 360 Savings account. Capital One has upheld INGs reputation of competitive interest rates since then. I checked its interest rate today and found it is 0.3 %. Capital One has a Performance Savings account which lists a 3.4 % interest rate on its website. This account appears to differ only in name from my savings account. This feels like a bait and switch. Capital One indicates they no longer offer the type of account I hold. At no point has Capital One ever communicating they were changing the status of my account, or that they were changing their account names to offer more interest elsewhere.
Company Response:
State: CO
Zip: 80210
Submitted Via: Web
Date Sent: 2023-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-03
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: XXXXXXXX XXXX has changed its general purpose credit card from XXXX to Capital One. I paid my last bill in full three weeks before the due date. Capital One has charged me ( and likely every other customer ) a {$29.00} late fee, although I paid my bill in full. I think this is likely to have happened across the board with former XXXX customers of XXXX. They will waive the fee, but if they are charging hundreds of thousands of other customers, most will not notice the extra late fee! This could be very costly for XXXX 's customers, lucrative for Capital One, and very unfortunate that Capital One did not take a proactive approach to letting all of us know that the fees were applied incorrectly and should be waived across the board! I let Capital One know that I would be filing a complaint. Each of us should not have to make a call to the credit card company to get this resolved!!
Company Response:
State: NH
Zip: 037XX
Submitted Via: Web
Date Sent: 2023-03-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-03
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 have an account on my report that keeps reporting negative it was paid in full and is reporting to my credit report negative. The account is CAPITAL ONE is doesn't show any accurate information since XX/XX/2022 and the 3 credit companies will not help me resolve this problem!
Company Response:
State: FL
Zip: 33169
Submitted Via: Web
Date Sent: 2023-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-04
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/XXXX, I deposited a check to capital one bank. The check was for {$2800.00}. Capital one bank held the check for verification. I called several times for information on when the funds would be released. it has taken me till XX/XX/XXXX to figure out what happen to the funds. capital one bank closed my act. and moved the funds to a limbo acct. even though I had both institutes on the phone verifying finally that the funds were valid. capital one requested that the institute that the check was issue from ( XXXX XXXX XXXX XXXX ) ask for a harmless release hold letter to them so they ( capital one ( can send my money back to the bank. So when I called XXXXXXXX XXXX XXXX XXXX. The rep told me that they do no such thing. The rep informed me that I needed to report on a fraud government site and request my money be released to me.
Company Response:
State: AZ
Zip: 85383
Submitted Via: Web
Date Sent: 2023-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-04
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting on unauthorized inquiry my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Yo offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You hav transferred, possessed, or used, without lawful authority, a means of identification Is a felony punishable with Lip to 2 years of imprisonment, in addition to civil liability By obtaining my CREDIT BUREAU consumer credit report on DATE Without my permission or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( 'FCRA '' ) codified at 15 U.S.C 16186 ( 0 ) 3 ( 000. Chesterv. Purvis, 260 F. sup 28711 ( S.D Ind.2003 )
Company Response:
State: TN
Zip: 38125
Submitted Via: Web
Date Sent: 2023-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-04
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting on unauthorized inquiry my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Yo offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You hav transferred, possessed, or used, without lawful authority, a means of identification Is a felony punishable with Lip to 2 years of imprisonment, in addition to civil liability By obtaining my CREDIT BUREAU consumer credit report on DATE Without my permission or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( 'FCRA '' ) codified at 15 U.S.C XXXX XXXX XXXX XXXX XXXX ( XXXX. XXXX. XXXX, XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX XXXX )
Company Response:
State: TN
Zip: 38125
Submitted Via: Web
Date Sent: 2023-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-03
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: Please help me this is concerning... Security ministration with my address name Social Security number. I also sent in a current drivers license now they requested a W9 form as I did not ask for any tax exemption or anything in that manner And when I sent it in, they said it was not accurate. I called the IRS state and federal in my name and EIN match. I completely feel I am being treated completely unfairly as I did not change my name XXXX XXXX XXXX around both of my credit cards in that time I received a new platinum Walmart rewards card that has my real name and it will not change my name back. It drives great concern. As in this time my credit scores being diminished as inquiries are being added. I have called at least 50 times that's not an understatement. I calling desperation that I believe I'm going through not only discrimination, but some kind of identity thief as they ask for all my information even my EIN as well as my Social Security number on a W9 form and told me the information did not match, I have evidence to support his not only letters with a letterhead from capital one with my correct name. ask them for a reasonable accommodation for my XXXX. I was mocked and laughed at about the situation at hand when I looked into it as well the state IRS and federal IRS has matching information. They informed me that the information was incorrect and I also have the W9 document. I also looked at how long it would take for my name to actually be changed and go into the computer and the odd thing was is that this my name was changed my correct name on the banking side and the accounts to a different name and that happened within a weeks time not even thank you for taking the time to read this. I hope I can come to some kind of resolution. This is really caused a lot of stress and inconvenience in my life. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. My telephone number is XXXX. Thank you and have a wonderful day. The XXXX XXXXXXXX XXXX Sincerely XXXX XXXX XXXX
Company Response:
State: WI
Zip: 531XX
Submitted Via: Web
Date Sent: 2023-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-03
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I sent a letter out on XX/XX/XXXX to XXXX, XXXX, and XXXX. Here is my tracking number : XXXX. However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. According to the law 15 U.S. Code 1681 - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller
Company Response:
State: FL
Zip: 33444
Submitted Via: Web
Date Sent: 2023-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A