Date Received: 2023-12-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: THIS IS A NOTICE OF DISPUTE. I AM DISPUTING THE COMPLETENESS AND ACCURACY OF THE INFORMATION THAT HAS BEEN FURNISHED TO MY CONSUMER REPORT. CAPITAL ONE XXXX. THE SEQUENCE OF LATE PAYMENTS THAT WAS FURNISHED IS INACCURATE. THIS IS A CLEAR VIOLATION OF THE FCRA AND THIS VIOLATION IS PREVENTING FOR FROM EXTENDING MY CREDIT FOR MY PERSONAL, FAMILY AND HOUSEHOLD PURPOSES.
Company Response:
State: NY
Zip: 11422
Submitted Via: Web
Date Sent: 2023-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Some one used my information such as my social security number to open or apply for Capital one Banking on dates XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX and just recently on XX/XX/XXXXXXXX XXXX XXXX I have things on my report that is has misimformation.I want these removed from my Credit Reports and an investigation so I can find out who's using my name. I Also have other Accounts I've never applied to or heard of that's on my credit report. XXXX XXXX Inquiry XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Oregon XXXX. Phone number XXXX -- XXXX XXXX XXXX card inquiry XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX phone XXXX XXXX XXXX I did try to contact them on the phone numbers but sounds like it was disconnected. I also have XXXX XXXX XXXX account that is not mine that was Reported on XX/XX/XXXXXXXX XXXX XXXX that was closed but they charging me {$150.00} even though its not my account. XXXX option 6 inquired XX/XX/XXXX XXXX XXXX XXXX, XXXX MD XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Va XXXX XXXX phone number XXXXXXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX WA XXXX XXXX. XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX XXXX XXXX Potentially Negative Date opened XX/XX/XXXX this shouldnt be Beginning since I paid it monthly. XXXXXXXX XXXX XXXXXXXX opened potentially Negative it shouldn't be negative because I never used the card. XXXX XXXX account Date opened XX/XX/XXXXXXXX I never opened an account with them nor do i use XXXX XXXX. I also found wrong address on my report XXXX XXXX XXXX, XXXX, La XXXX is not my address. Names I want removed are as Follows : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. I want these things to be investigated and Removed from my Report as well as any expenses that is not mine. I do not wish to pay for things on my credit report that is not mine because all of these things I can not get a banking account or a credit card on my name to build my credit.
Company Response:
State: LA
Zip: 703XX
Submitted Via: Web
Date Sent: 2023-12-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-16
Issue: Opening an account
Subissue: Account opened without my consent or knowledge
Consumer Complaint: Capital One first emailed me on XXXXXXXX about a new account opened in my name and with my email address, with also the phone number and account asserted to be verified. The information about the account described in the email included " XXXX XXXX ; XXXX XXXX XXXXXXXX ; Routing number XXXX ''. I tried calling the fraud telephone number, but no one picked up, there was no operator option, and there was no option for me to assert the account was fraudulently opened. I emailed Capital One at the email address identified on Capital One 's website to report fraudulent activity. Capital One sent an immediate auto-response, but never followed up. Capital One continues sending emails asking me to add funds to the account. I have repeatedly emailed the address to report the fraud, but still with no response or action from Capital One. I do not use Capital One. I did not request an account. And I do not want this fraudulently opened account to affect my credit score or result in any other form of financial or creditworthiness penalty. Please help me to close this account and remove all references if it in my financial and credit history.
Company Response:
State: TX
Zip: 77024
Submitted Via: Web
Date Sent: 2023-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-16
Issue: Credit monitoring or identity theft protection services
Subissue: Problem with product or service terms changing
Consumer Complaint: As a victim of the Capital One data breach where my information was compromised, I was initially offered free credit report monitoring through XXXX by Capital One as a remedial measure. However, Capital One abruptly ceased this credit monitoring service without any notice, subsequently transmitting my sensitive information to my employer. This breach of my privacy and their failure to uphold their commitment to safeguarding my credit information showcases a severe lapse in their responsibility. It's deeply concerning that Capital One seems to disregard legal obligations and lacks accountability. Regrettably, I find myself in a situation where seeking resolution for these concerns feels challenging and seemingly without viable options.
Company Response:
State: WA
Zip: 98684
Submitted Via: Web
Date Sent: 2023-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-16
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Today XX/XX/2023, I spoke with XXXX agent Id XXXX that verified there was still a balance and the last payment was in XXXX of XXXX He also verified it showed in the notes my money was received on XX/XX/2023. This verifies they received the attached affidavit letter that came with the money order explaining if it was refused for any reason to send back the XXXX negotiable instrument with as to reason why it was refused. Capital One did not do that, instead they closed down my account without a reason why. This is XXXX and they have committed the act of extortion which is a XXXX offense. By accepting a money order and not sending it back or applying the credit to the account is embezzlement and fraud. The letter clearly stated if it was refused for any reason to send back the original instrument. XXXX months is dishonorable and way past a reasonable and acceptable time frame. The balance should have been completely XXXX pursuant to XXXX XXXX XXXX also supported by XXXX XXXXXXXX XXXX I was transferred to supervisor XXXX of the fraud and dispute dep. She could not answer my questions nor explain the violations being committed or why Capital One violated their arbitration agreement by not refusing to pay their arbitration filing fees. She stated she could not provide me the XXXX contact information as this needs some MAJOR attention for the Lies, XXXX, XXXX XXXX XXXX these XXXX are committing. She stated someone would reach me back in XXXX business days. I dont need a computer generated response, I need a higher up.
Company Response:
State: NY
Zip: 146XX
Submitted Via: Web
Date Sent: 2023-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-16
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I had 2 credit cards open with Capital One ; both were in good standing with no late payments. I reported fraudulent activity to Capital One that came from another country. They said they'd investigate and never got back with me. I called and asked for an update later and they stated that they had mishandled my case and the fraudulent charges was never filed to be investigated. So I filed again after receiving a list of requested charges on my account. I called and informed the representative which charges were not charged by me and were fraudulent. The representative stated that they opened another case and they would investigate and get back with me and again information was lost.
Company Response:
State: NC
Zip: 28270
Submitted Via: Web
Date Sent: 2023-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-17
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: My car was in an accident and totaled out in XXXX of 2023. I kept waiting for it appear on my credit report as paid off. It was paid off on XXXX XXXX, 2023. I call a couple of times about this but they said everything would be straightened out in 60 days. I looked on the report and they have the account as closed and not paid off.
Company Response:
State: GA
Zip: 30038
Submitted Via: Web
Date Sent: 2023-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-17
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Im being charged interest on a credit card that was paid in full on XXXX. How am I being charged interest on a restricted account that was paid in full?!
Company Response:
State: CA
Zip: 91761
Submitted Via: Web
Date Sent: 2023-12-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-16
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I am writing to let you know that the customer service provided for Capital One Venture card holders has been absolutely unacceptable. The main reason many of us opened this card was for the travel benefits and ability to transfer the points externally to airline partners. I met all of the qualifications to receive the sign up bonus, but when I went to transfer the points I was told I am unable to do so because I recently purchased a new phone. Even though my phone number is exactly the same as it was before, the company has been unable to verify my phone number during the 2FA process. This makes the points completely useless, as travel award flights are in high demand and do not stay available for long. They also have no timeline of when they will be able to verify my account. This experience with customer service has been extremely frustrating, and it is shocking that there is no other way for customers to verify their accounts other than a phone number. I offered to verify over phone, email, provide identification documents such as my passport, etc, but they said they can not do anything. It is even more shocking that not a single person in the company can transfer the points on my behalf. Please let me know if there is anyone else this can be escalated to as this has been one of the worst customer service experiences I have ever had with a credit card company. The date I received the new phone was XXXX. I called customer service on XX/XX/15 which was the date I was trying to transfer the points. I was transferred to a dozen different customer service agents, all of whom were completely unhelpful and had no idea what to do and said that there was nothing they could do to help me gain access to my account. It is fraudulent behavior to lock consumers out of key features of their accounts for unspecified periods of time without advance notice, especially when those key features are advertised as the main reasons to apply for the credit card.
Company Response:
State: TX
Zip: 75204
Submitted Via: Web
Date Sent: 2023-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-16
Issue: Problem getting a card or closing an account
Subissue: Trouble closing card
Consumer Complaint: Dear Management Center, Due to bad service and requesting you remove the initial $ XXXX and all other fees since to be removed as promised due to ACH outage from XXXX. There is a formal request for the account to be " Closed " by my request today! The most unprofessional service I had this week with the client service support number. I've never had so much trouble trying to accomplish simple tasks with customer service.
Company Response:
State: WY
Zip: 82009
Submitted Via: Web
Date Sent: 2023-12-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A