Date Received: 2023-12-22
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XXXX the XXXX I was notified by the banker that I was denied for an account and for credit. I immediately went home to check my credit monitoring service and was unable to access my XXXX file. It was completely gone. I then proceeded to contact XXXX and was transferred to the office of consumer affairs and spoke to a lady named XXXX. She asked me if I had any knowledge of multiple inquires and told me there were several attempts to acquire credit using my social security number. She said she was seeing two different files for my social security number. I asked her the name of the other profile which she said she could not disclose. She did however give me a date of birth XX/XX/XXXX. I informed her that I was not in any way associated with that date of birth or profile and in fact was a victim of identity theft. Which caused me denial with the banking system. I was told by XXXX that I would be contacted within 30 days after an investigation was done. I was never contacted but did receive an alert that my account was available again only to see an XXXX point decrease and 4 erroneous hard inquires which are from identity theft. My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal inquires and accounts from my credit reports. Inquiries : Capital One / XXXX XX/XX/XXXX Capital One Bank USA XX/XX/XXXX Capital One Bank USA XX/XX/XXXX Capital One Bank USA XX/XX/XXXX Derogatory Mark : XXXX XXXX XXXX XXXX XXXX I have spent time, money, and resources throughout the years working hard to undo the damage from the data beach. I also have previous complaints filed with the CFPB where nothing is ever done. The consumer has rights and protected under federal law. I have done my best to resolve matters outside of court. Please hold XXXX accountable. I have also attached a copy of my complaint with the Federal Trade Commission FTC Report # XXXX
Company Response:
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2023-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-22
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: XX/XX/2023, I AM STATUTORY DURABLE POWER OF ATTORNEY ON BEHALF OF MY SON XXXX XXXX. I RECEIVED THE DEBIT CARD ( 2 WEEKS IT TOOK ), ACTIVATED IT AND THE CHIP IS DEFECTIVE, IT WILL NOT WORK. THE BANKERS AT THE LOCATION ON XXXX IN XXXX SHARED THAT I WOULD BE RECEIVING MY OWN DEBIT CARD AS SDPOA BUT THE ONLY ONE I RECEIVED IS UNDER XXXX XXXX 'S NAME. I HAD TO CALL CAPITAL ONE TWICE, THE 1ST TIME I WAS TOLD IT LOOKS LIKE THE CARD IS WORKING, AND I TRIED AGAIN MULTIPLE TIMES AND IT IS NOT WORKING. IT WILL NOT READ, THE CHIP DOES NOT WORK. SO I CALLED AGAIN, SPOKE WITH XXXX WHO SAID " MAAM I CAN NOT ORDER ANOTHER CARD FOR YOU I NEED TO SPEAK WITH THE ACCOUNT HOLDER, '' WELL, I QUICKLY ENDED THE CONVERSATION RIGHT THERE. I AM XXXX 'S SDPOA BECAUSE HE CAN NOT TALK. XXXX SUFFERED A XXXX XXXX XXXX AND I AM HIS MOM, TRYING TO CONDUCT HIS BUSINESS BY YEAR END, AND SO FAR CAPITAL ONE PUT A HOLD ON XXXX 'S BACK PAY THAT WAS NOT ABLE TO BE DEPOSITED UNTIL THIS WEEK AND THERE IS MORE COMING. THE DEBIT CARD DOESN [ 'T WORK AND EVERY TIME I CALL THIS BANK I AM ACCUSED OF BEING A CRIMINAL. I SAT IN THE CAR AND SOBBED, BECAUSE PEOPLE HAVE FORGOTTEN HOW TO TREAT EACH OTHER. THIS IS THE ABSOLUTE WORST BANK I HAVE EVER DEALT WITH. SO GOOD LUCK TRYING TO TALK TO XXXX, BECAUSE I AM HIS MOTHER AND I CAN'T EVEN TALK TO HIM. HE IS ENTITLED TO HIS PAY, TO BUY A HOSPITAL BED, A WHEELCHAIR, AND XXXX PRESENTS FOR HIS XXXX YEAR OLD SON WHO BASICALLY LOST HIS FATHER ON XX/XX/2023. I PRAY THAT EVERY PERSON WHO READS THIS FEELS THIS, AND STOPS TO REALIZE THAT BEING SO CRUEL COULD TRULY PUSH A PERSON OVER THE EDGE ESPECIALLY WHEN YOU ACCUSE A XXXX YEAR OLD WIDOW, WHO IS TRYING TO TAKE CARE OF A SEVERELY INJURED XXXX YEAR OLD SON, WHO WAS A ; PEDESTRIAN AND GOT XXXX XXXX BY A CAR WHO NEVER STOPPED, AND HE LAID IN THE MIDDLE OF XXXX XXXX IN XXXX TX UNTIL SOMEONE CALLED XXXX, AND IN THAT TIME, HE DIED AND SUFFERED AN XXXX XXXX XXXX, AND HE IS LEARNING HOW TO SWALLOW, TALK, AND HE IS XXXX. XXXX XXXX CAPITAL ONE.. THEY ARE GREEDY MEAN PEOPLE AND IT SHOWS BECAUSE XXXX ALWAYS FLOWS DOWNHILL FROM UPPER MANAGEMENT, THEY SHOULD GIVE LESSONS ON CRUELTY TO HUMAN BEINGS, AND HOW TO INSULT THEM BY ACCUSING THEM OF BEING A CRIMINAL SO THEY CAN KEEP A XXXX PERSONS MONEY FOR AWHILE TO ACCUMULATE INTEREST. AND DEMAND TO SPEAK TO THE ACCOUNT HOLDER WHO CAN NOT TALK. UNCONSCIONABLE.
Company Response:
State: TX
Zip: 75206
Submitted Via: Web
Date Sent: 2023-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-22
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I enrolled in a payment program offered by Capital One to bring my Platinum card current after a period of economic hardship. Capital One informed me that they would be scheduling a total of three payments to be deducted from my bank account over three months to bring the account up to date. Unbeknownst to me, Capital One scheduled the first and third payments, but they did not schedule the second payment. After accepting the payment plan, I received a confirmation email that stated I wouldn't have to take any further action and that the amounts would be paid automatically. At the end of the second month, I noticed that my account was suddenly charged off. When I contacted customer support, the agent informed me that he was able to see a record that indicated the first and third payments had been scheduled ; however, there was no record of anyone on Capital One 's end having scheduled the second payment. The agent filed a dispute over the phone on my behalf. I never heard back from Capital One. The charge-off remained on my account. I tried to call Capital One several times for updates ; however, the agents all gave different excuses for not being able to help me ( i.e. the supervisors are all in a meeting ; the systems are down, and no one will be able to see my account ; everyone had left for the day, etc ). I disputed the charge-off through one of the credit bureaus. Capital One responded by saying they'd resolved the issue and that the charge-off was correct.
Company Response:
State: GA
Zip: 30345
Submitted Via: Web
Date Sent: 2023-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-22
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Capital One charged me late fee and interest fee even though I tried to make the payment. This is because of their system restriction with the autopay, which prohibited me from making manual payments. I had a payment due on XX/XX/17. It was paid on autopay on XX/XX/17. I realized that same day that the payment was not going to go through in that autopay account and the payment was going to be rejected. I tried to make the payment via another bank account on the same day. However, Capital One 's system refused to allow me to make a payment on XX/XX/17, stating " you can not schedule a payment for this account ''. I made a payment as soon as I realize Capital One 's restriction lifted. However, capital one had already charged me an interest fee and a late fee despite their restriction for me to pay. I called and was unable to waive the fees.
Company Response:
State: CA
Zip: 91101
Submitted Via: Web
Date Sent: 2023-12-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-21
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: Capital One credit card app- in order for you to make a payment on the app which for me was XX/XX/XXXX. 2023. It was after banking hours and it was a Sunday. I expected to make payment online would process on the spot and payment would be made. This was not the case.once I put all my information in for my credit card. I clicked pay and then I was prompted with a message asking me, to schedulue date for payment to be automatically paid ( something along those lines ). I chose the soonest possible date for the auto payment to happ which was Monday XX/XX/2023. when I sheduled the payment. I assumed it would be processed at the start of the day. Assuming that it was done automated and that the computer would process payments as soon as possible. So I had something else I had to purchase and I was told it was told the purchase i needed to make through the Nevada court system if my court fines were not paid 30 days in advance from parole discharge that my parole would be extended. So I was purposely making the payment in XXXX XXXX so I would have enough money on credit card to pay courts immediately Monday morning because it was already going to be less than 30 days from time i was going to make court payment to the time my parole expiration date was suppose to end on. It is XX/XX/2023. I am waiting for payment to post and as XXXX, then XXXX rolls past i am stressing., so I went online again and tried to figure out what was going on with my payment. While I was trying to figure out what was happening with other transaction. I figured since it was during banking hours now. I could maybe make an immediate payment transaction with Capital One. then I could make payment to XXXX XXXX, NV court system and hopefully still get off parole as on time as i was suppose to. So I did I used same cash app card to try second payment. it succesfully went through around XXXX p.m. XX/XX/2023. The Payment was in the amount of {$100.00}. which was the total amount owed to capital one. which once paid it should of put my account balance at {$0.00}. I have Payment receipt confirmation. in my email of transaction succesful. NOW AT THIS POINT IS WHERE PROBLEM BEGINS! So the automated system has a bug that needs to be fix and here is how problem begins because of automated system error. So I have a XXXX balance as of XXXX XX/XX/2023. The scheduled Automatic payment That I set up on XX/XX/2023. Finally decides to try and redeem its scheluled payment from same cash app card at XXXX XXXX. on XXXX XXXX in the amount of {$100.00}. Now when the computer transaction fails at XXXXXXXX XXXX. on XX/XX/XXXX, XXXX in amount of {$100.00}, instead of computerrealizing that it was a unsucceful transaction and leaving balance at XXXX it seen transaction failure as XXXX should be added to my account even though there should opf been no debit or credit due to failed transaction. yet computer charged me for the failure of automated transaction for amount of {$100.00} which at XXXX XXXX was the second time the computer tried to makee same transactoin amount which failed because previous transaction that day at XXXX ; XXXX XXXX. had already paid the money to Capital one so it didn't have enough money to make repetitive payment that wa already made. When I tried several times to fix this problem with the idiots at Capital One Customer service not only ded they verify the payment was made. and even the automated system when you call from back of credit card even vouched for the {$100.00} payment being succesful. but customer service would not get this through there heads and only wanted to see there way. So even when i told them that i have verification from my XXXX XXXX Transactions and proved it to Capital one. Capital One wanted to verify with XXXX XXXX with me on phone. Great. Except we were not able to get a hold of XXXXXXXX XXXX that day. so at a spererate time that i was unaware of captial one contacts XXXXXXXX XXXX and even persuades them to chang a coupleof my transaction to suit there perspective. Altering my XXXX XXXX ( XXXX XXXX ) statements. I am unable to fix problem and you are my last hope. i don't know how to get a hold of Accounting to have problem fixed with Capital One. nor do I know how to contact any one above there customer service department. which are XXXX Thank You, XXXX XXXX XXXX XXXX XXXX
Company Response:
State: NV
Zip: 89148
Submitted Via: Web
Date Sent: 2023-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Company Response:
State: AZ
Zip: 85035
Submitted Via: Web
Date Sent: 2023-12-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-20
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Since XXXX of last year, I have repeatedly sent My Social Security Card and Drivers License to Capital One. I provided these documents both before Capital One activated my credit card, which they accepted and activated my Capital One Credit Card, and after Capital One deactivated my Capital One Credit Card and online account without cause, as evidenced by the attachments to this complaint. However, Capital One has disregarded all of my efforts to comply with their requests after my Capital One Credit Card was deactivated by Capital One. In an attempt to resolve this matter, I emailed Capital One and Capital One executives XXXX XXXX ( XXXX ) and XXXX XXXX ( General Counsel ). Unfortunately, neither of them has responded appropriately. Instead, I have received responses that fail to address any of the issues raised in my email. In addition, correspondences were not signed and there was no contact information from individual and/or department where the letters came from. As of today, my card remains inactive. I have been unable unable to access my Capital One Online Account, and I am unsure why there is a balance on it since I made payments earlier this year, without a Capital One statement, following the deactivation of my credit card by Capital One. I request CFPB intervention for Capital One Credit Card re-activation and and ensure that Capital One refrains from imposing unwarranted charges on my account. This is particularly important considering I have been unable to access my online account and utilize the card since XXXX of last year.
Company Response:
State: CA
Zip: 92646
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting act XXXX XXXX account XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A, States I have the right to privacy. 15 U.S.C 1681 Section 604 A., Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Company Response:
State: OH
Zip: 43230
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-20
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I am an identity theft victim. I am writing to request that you remove the following items from my credit report. Each of the transactions I have identified were made by the thief, not by me. I never authorized, used, or benefited from these in any way. The following informing information needs to be removed from my credit report. Credit inquiries. XXXX XXXX XXXX XXXX XXXX
Company Response:
State: CA
Zip: 90034
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Capital One Account XXXX sharing information with another 3rd party /non affiliate which is in violation of my 16 CFR 313.7 Opt-Out notice. Capital One violated my rights as well under 15 USC 6802-6805 They are supposed to send me an opt-out letter every 30 days. Per the Fair Credit Reporting Act as a federally protected consumer, I am now opting out of authorization I the consumer may have given Capital One written, un-written, verbal and non-verbal per 15 USC 6802. I am " opt-out '' of Capital One reporting on " card utilization '' to 3rd party/non-affiliate credit agencies.
Company Response:
State: MT
Zip: 594XX
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A