Date Received: 2023-12-16
Issue: Getting a loan or lease
Subissue: Loan opened without my consent or knowledge
Consumer Complaint: My personal information was stolen years ago and used for several unauthorized accounts on my credit report. i would like these accounts off my report immediately. I've filed fraud and identity theft XX/XX/2023
Company Response:
State: PA
Zip: 19124
Submitted Via: Web
Date Sent: 2023-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-15
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: Electrical work service completed on XX/XX/XXXX, deposit of {$2500.00} paid on XX/XX/XXXX and {$5000.00} payment towards paid-in-full invoice paid XX/XX/XXXX - partial payments made with Capital One credit card. XX/XX/XXXX - Electrician company mailed a letter that the work was incomplete and permit was still opened. I called the City of XXXX to confirm the open permit and received the Inspection Report- the electrical work failed inspection XXXX times : XX/XX/XXXX, XXXX/XXXX/XXXX and XX/XX/XXXX. Demand Letter sent to Merchant on XX/XX/XXXX, Second Notice Demand Letter sent to Merchant on XX/XX/XXXX, and Final Formal Demand for Documentation and Resolution sent to Merchant on XX/XX/XXXX. Initial Demand Letter requested a response from the Merchant to the demand for refund within 30 days due to incomplete and unsatisfactory nature of work, the inconvenience I have experienced due to the delayed completion, and the expenses incurred as a result of the failed inspections. Merchant did not provide a response that addressed the demand for refund by the deadline of XX/XX/XXXX. Contacted Captial One on XX/XX/XXXX file a chargeback claim for both credit card charges of {$2500.00} and {$5000.00}. Both claims were not processed due to different reasons for both claims even though they were in the same timeframe and for the same electrical service completed on XX/XX/XXXX. Captial One was stating that a photo of returned materials to the merchant was needed and the cases were closed - a photo of electrical services can not show how services are used to repair breaker boxes. I explained to Capital One that I was not aware of the incomplete electrical work services that I paid for until XX/XX/XXXX when the electrician company mailed me a letter about the permit still being open. I contacted the merchant via demand letter sent on XX/XX/XXXX with a 30-day deadline to process the refund before filing the chargeback with Capital One on XX/XX/XXXX. I escalated both claims with a manager of the Dispute & Claims department.
Company Response:
State: TX
Zip: 75061
Submitted Via: Web
Date Sent: 2023-12-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-16
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: XXXX XXXX, XXXX and Capital One I paid off my account and they are still charging me. And won't show or give me any information on my account.
Company Response:
State: MD
Zip: 21229
Submitted Via: Web
Date Sent: 2023-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-15
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: This is the 2nd complaint that I have filed regarding the same issue. Approx. 3 months ago I filed a dispute with Capital One in the amount of XXXX on or about XXXX XXXX, XXXX, I provided Capitol One with all of the information that they requested to support my dispute. I went as far as to provide the manifest from the auction site that clearly shows the amount for this auction was inflated to mislead the bidders of the true value of the merchandise. Furthermore, when I received the merchandise there were missing items, and almost all items were damaged and had no value. In XX/XX/XXXX Capital One responded to my 1st complaint with the Consumer Financial Protection Bureau, stating that my original dispute had been denied and then I reopened it. That is a false statement, I was never notified that a decision had been made on my dispute. The last communication I received was in XX/XX/XXXX when I requested an update, stating that there was no update because it was still under investigation. Capital One for whatever reason has not given my dispute the attention it deserved. I have lost all confidence in Capitol One. I am also requesting this complaint be forwarded to other regulatory agencies for their review.
Company Response:
State: CA
Zip: 95901
Submitted Via: Web
Date Sent: 2023-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-15
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I seen online where you could contact the credit card company and request financial help when it comes to making payments or request a settlement or them to drop the interest rate for a year to help their customers pay back the balance owed. They refuse to help me and I am a single mom that is struggling. They have already lost me as a customer because when I first got the card and it was strictly through Walmart I NEVER had this problem. I am paying over the minimum amount and getting charge half back in interest which will make the balance impossible to pay back. I have been paying on my balance since LAST XXXX and my balance has not changed hardly at all and I have not used my card at all because I've been trying to pay it off.
Company Response:
State: NC
Zip: 28334
Submitted Via: Web
Date Sent: 2023-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-15
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/2023 I wrote a letter along with my payment coupon to the Capital One Headquarters for both of my accounts sent them both certified mail on XX/XX/2023. Also called on Friday XX/XX/2023 spoke to Rep. XXXX at around XXXX he told me he didn't see any payments and it takes about 7-10 days, so I have been checking the site since the call and it is XX/XX/2023 today. I am attaching all my documents I sent out for you to view.
Company Response:
State: MD
Zip: 21227
Submitted Via: Web
Date Sent: 2023-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-15
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Attempting to wire money out of checking account. XXXX won't allow use of phone number on file, and are now trying to make me wait 60 days to access my money.
Company Response:
State: CO
Zip: 80503
Submitted Via: Web
Date Sent: 2023-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-14
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: There are inquiries on my report that I did not authorize and I am also not associated with. I have sent in letters to these companies and their responses were all the same, they stated that someone submitted something online with them and that whoever that person was authorized them. This is messing with my credit score bad and i would like help in having them removed. I never signed any paperwork saying that they were clear to run a credit check on me.
Company Response:
State: ND
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-14
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: I noticed unauthorized hard inquiries on my credit report that I am unware of and I want them removed asap.
Company Response:
State: DE
Zip: 19808
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-14
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Yes this company could not provide verification of debt. They have me settled for deletion and has it reporting inaccurately on my credit report. My initial dispute was detailed and directly related to the account in question. A template response will not be an acceptable response. If you can not supply ALL of the above information in a timely manner as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent removal of this item from my credit report. This erroneous entry is detrimental to my overall credit rating and has caused me severe financial and emotional distress. If you choose not to provide the above-requested deletion or requested/required documentation of your investigation, I will pursue the enforcement of my constitutional rights via federal court proceedings. As you are well aware this information will come out through my formal discovery process and necessary depositions. I have recently studied constitutional consumer protection laws along with civil/federal court procedures. I will represent myself pro-se and will formally request a jury trial. Here is a list of inaccuracies that were claimed verified.
Company Response:
State: NV
Zip: 89431
Submitted Via: Web
Date Sent: 2023-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A