Date Received: 2023-12-13
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602, states that 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 under 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 any purpose. I do not give permission to report to my consumer profile/report and that you remove all fraudulent accounts immediately. There should not be any damages on my report as this is a defamation of character causing personal injury. I have been constantly harassed by these 3rd party collection companies. I have also received a response that clearly violates my rights according to HIPAA reporting & selling my information to those 3rd parties. I have thoroughly reviewed my credit report and I would like to inform you of the inaccuracies it contains. I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts, remove ALL inquiries, pay me for violations, and update my credit report immediately I opt out of all 3rd party consumer credit reporting.
Company Response:
State: AR
Zip: 71603
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: Credit Card Reported late on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I suffered from XXXX in XXXX Summer it took a toll on my body causing me to not be able to pay my bills prior to that i did not miss payments i would like the late payments removed i did reach out to the customer service department in XX/XX/XXXX however they did not try to work with me hopefully we can come up with a resolution.
Company Response:
State: TX
Zip: 75241
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: 1026.13 - Billing Error Resolution 1. Creditor 's failure to comply with billing error provisions. Failure to comply with the error resolution procedures may result in the forfeiture of disputed amounts as prescribed in section 161 ( e ) of the Act. ( Any failure to comply may also be a violation subject to the liability provisions of section 130 of the Act. ) 2. Charges for error resolution. If a billing error occurred, whether as alleged or in a different amount or manner, the creditor may not impose a charge related to any aspect of the error resolution process ( including charges for documentation or investigation ) and must credit the consumer 's account if such a charge was assessed pending resolution. Since the Act grants the consumer error resolution rights, the creditor should avoid any chilling effect on the good faith assertion of errors that might result if charges are assessed when no billing error has occurred. billing error on my credit report the payment for the car went to the treasury of that account capital one financial is not the trustee it is XXXX XXXX XXXX payment was sent to the treasury and therefore this is a billing error that continues to show up on my credit report
Company Response:
State: CA
Zip: 946XX
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I paid off my credit on XXXX XXXX That I haven't use in 3months during the billing cycle. If I paid the card off which only had XXXX XXXX the on the cycle begin. So Capital One charge interest on a XXXX balance of {$6.00} This must be remove .. And I also close this Account because I don't this card
Company Response:
State: NY
Zip: 11374
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Company Response:
State: GA
Zip: 317XX
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-12
Issue: Electronic communications
Subissue: Frequent or repeated messages
Consumer Complaint: I recently was given a kohls charge card and did a little shopping. I went to pay my monthly bill on the app but there was only a way to with checking acct. I then called their customer service to pay with my debit card as that is the only way I can pay. It says online and on the kohls site they accept payment by debit. But when I called they said they only accept payment with checking. Account numbers. I explained I had no other way and also took screen shots proving it shows they say they accept debit cards. They said its old print and they cant and wont accept it so now my credit is going to tank they wont work with me. Had I known this I would never have applied for this card. Im trying to build my credit not ruin it. What am I supposed to do can you help me this should not fall back against me and my credit Thank you XXXX XXXX
Company Response:
State: MT
Zip: 598XX
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-12
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: The bank " Capital One '' opened a credit card in my name without my request, consent or signature. I was never client that bank. I do not have no one card of " Capital One '' bank and don't have any account in that bank. However, the bank is fraudulently lowering my credit rating and extorting money from me, demanding that I pay for dont understend what. I called this bank, informed them that I had not requested, received, and did not want to receive any additional cards. I told them that I considered this fraud and extortion and that I did not want to have anything to do with them. I demanded that they stop damaging my credit rating and damaging my reputation. However, they continue to do this. In XXXX, my credit score was XXXX. Within two months, these extortionists reduced the rating to XXXX. Can you help get rid of these scammers?
Company Response:
State: FL
Zip: 33020
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-12
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I have reported unauthorized transactions on my card and filed a claim with Capital One. However, my claim was denied without receiving detailed information on the steps taken during their investigation into the matter.
Company Response:
State: NY
Zip: 10314
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-12
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: I recently received a credit card in the mail from CapitalOne that I never applied for. I never even considered opening an account with them. When I called CapitalOne they passed me to their fraud department who claimed that I DID apply for it, but they would start their investigation into it as a fraud complaint. They then informed me that it would take 90 days to clear/correct my credit reports. Didn't the Federal Trade Commission ban the unsolicited mailing of credit cards way back in XXXX?
Company Response:
State: AL
Zip: 350XX
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-12
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/2023 I opened a 360 Checking with Capital One Bank. I opened it in person at the Capital One XXXX in XXXX, Louisiana. I funded the account right as I opened it. The woman who I opened the Account with was named XXXX. I passed all the background checks. I had my Valid Photo Drivers License, Passport, and original Social Security Card. XXXX provided me with Forms with my " New Account # and Routing Number '' to send to the 2 companies that would now be making Direct Deposits to my Account. I made clear to the Banker that I would be doing 2 DIRECT DEPOSITS PER MONTH. They are as Follows : 1. Social Security Full Retirement Check. 2. A Pension Check Paid Monthly This Qualifies me for a Capital One Bonus of {$350.00}. Next : I opened a Capital One XXXX Account. I was then PRE-APPROVED for a SAVOR CREDIT CARD by CAPITAL ONE. I now have XXXX Accounts with CAPITAL ONE BANK. I was then shocked by Capital One. The US Post Office sent me 2 envelopes both had been sent by Capital One, I couldn't believe what I was looking at. Both addresses were written in an absolutely discombobulated way. Even the POST OFFICE placed a " Stamp on the Envelope commenting on it. This was my first negative experience with Capital One. They were given my complete correct Mailing address right in the Bank. They clearly can not address an envelope to a Banking Customer that is correct. Next, anytime you contact Capital One by telephone you are connected to a XXXX XXXX center. The 6 or 7 times I spoke to them you could not understand what the person was saying. There English was unintelligible. These calls are taped. They will clearly validate what I am stating as Fact. I have PERFECT CREDIT. This a FACT. I do not have 1 negative mark on any report. 5 Days Ago I could not believe what Capital One did. Without sending me a letter, without contacting me by telephone CAPITAL ONE placed a RESTRICTION ON MY CREDIT CARD. I had just sent them a {$100.00} Payment and with no forewarning I was at XXXX and my Savor Card was declined. I am a Certified Paralegal. Capital One has broken the Law. They have violated the rights of this Account Holder. To place a Restriction on a Customer with 3 Accounts Legally you must take the perfunctory steps of proper notification. Capital One violated the law. They just went ahead and performed this extreme step. If Capital One makes 1 move to ruin my Perfect Credit they will face MAJOR LITIGATION!! Here I trusted this Bank and moved my 2 Direct Deposit Checks to this Bank. I want to state as fact that The Savor Card gives an Account Holder a {$200.00} Bonus for spending {$500.00} in 3 months. I was {$250.00} shy of this goal when they restricted this account. How convenient of them. Now they committed FRAUD AGAINST ME. Capital One as a Bank bestows major problems on its Customers. If they place 1 negative mark on my Credit Report I will sue this Bank.
Company Response:
State: AL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A